vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> ) - Delete from file ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) - Delete from file ( XXXX XXXX XX/XX/year> ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 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 2025-08-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
I am a XXXX veteran and former XXXX XXXX XXXX. After leaving the military under XXXX XXXX XXXX XXXX, I returned home to Pennsylvania. I allegedly owed one month of unpaid rent. 

I.Q. Data XXXX began reporting this debt to the credit bureaus without providing me the required written notice under the FDCPA ( 15 U.S.C. 1692g ). They also added 5 % monthly interest even though my original lease never authorized it, and I never agreed to interest charges. 

I filed a CFPB complaint in XXXX ( XXXX XXXX. XXXX ). They responded but did not remove the unlawful interest or provide a signed lease clause or court judgment allowing it. Due to my XXXX, I was unable to follow up at that time. I only realized the ongoing harm when I was denied an apartment rental recently due to their misreporting. 

There is no court judgment against me and no contractual basis for charging interest ; the claimed amount is improper and unliquidated. I.Q. Datas debt-collection malpractice of adding unauthorized interest violates the FDCPA and FCRA and has been directly challenged in XXXXXXXX XXXX XXXX XXXX I.Q. Data XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I.Q. Data XXXX ( XXXX XXXX  XXXX ), both alleging that the company illegally charged tenant debts interest without legal authorization. 

I request immediate investigation into this companys unlawful collection and credit reporting practices. I want all unlawful interest removed and full debt validation before they continue reporting or collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NV

Complaint narrative:
These accounts were opened without my consent and should be removed per USC 1681g. I expect resolution within 15 days. Documentation is 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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I filed a dispute on a transaction that was done online using my debit card. I had purchased groceries to be delivered from XXXX using my debit card, so this was a debit card transaction, and I never received my order from the store. The store claimed they were delivered, but since I never received them I assumed they were delivered to the wrong house, and the store told me to file a dispute with my bank to get my money back. I reached out to the bank, SOFI, filed my dispute stating all of this information on XX/XX/XXXX XXXX I received an email that they received my dispute and would be investigating. I have reached out to the bank multiple times using the avenues they told me to, and I get no response and no further information. It has now been 23 days since this was filed, and they refuse to give me information other than they are investigating it, and I have not received provisional credit which I should have after 10 business days. They are refusing to give me my money, {$630.00}, they are not giving me any information, and I am fed up with their service regarding this matter. They are in violation of REG E, and they need to make this right ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I disputed multiple times and it keeps coming back as unknown dispute results and nothing is corrected or deleted. Ive asked them to verify these accounts as I do not recognize them.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
Dispute Reason Misleading Reporting : The account is currently reported as disputed but also shown as unpaid and open, which is contradictory and misleading. 
No validation or proof has been provided that I am legally responsible for this debt. 
Reporting an unverified and disputed debt as active collection status is false, misleading, and harmful to my credit profile. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems ( NCS ) for {$1700.00}, placed on behalf of XXXX XXXX XXXX, also known as XXXX XXXXXXXX. 

Upon move-out, I formally disputed the charges with XXXX XXXX and provided timestamped photo evidence clearly showing the condition of the unit. Despite this, the complex failed to provide any third-party invoices or itemized documentation, ignored multiple follow-up emails, and then forwarded the unvalidated debt to NCS for collections. 

I filed a dispute with XXXX, and after review, the debt was removed from my credit report due to lack of validation from NCS. However, XXXX XXXX XXXX continue to report the collection, despite having received the same dispute evidence. No new documentation has been presented, and no meaningful investigation appears to have taken place. 

Its one thing to bill tenants for legitimate damages supported by proper documentation but another to charge tenants for inaccurate, exaggerated, or tampered claims, then refuse to respond to legitimate disputes. 

Furthermore, this is not an isolated incident. Numerous other tenants who moved out around the same time as I did reported similar issues, including inflated charges, no communication from management, and unaddressed disputes. There appears to be a pattern of predatory billing practices and a lack of accountability. 

I believe this situation violates both the Fair Debt Collection Practices Act ( FDCPA ) due to failure to validate the debt and the Fair Credit Reporting Act ( FCRA ) due to inadequate investigation by the credit reporting agencies. 

I will be attaching supporting documentation including timestamped photos, email records, and screenshots of reviews from other tenants to further support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 dispute the validity of these accounts, as I did not authorize them. As required by USC 1681g, I request their prompt deletion within 15 days. Documents are attached.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
How did you verify it? Where's the documents to show me proof? Provide me proof that they are mine. No proof? Then you can't report it and you need to remove it immediately. The Bankruptcy Court also states that the Bankruptcy is not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Dear CFPB This letter serves as a formal demand that you immediately cease and desist from Portfolio Rc the behavior or actione.g., making harassing phone calls, spreading false statements about me, unauthorized use of my work, etc. ]. 

Your actions are [ explain whye.g., unlawful, defamatory, harassing, a violation of my legal rights, etc. ]. If these actions do not stop immediately, I will have no choice but to pursue all available legal remedies, including but not limited to seeking monetary damages, injunctive relief, and attorneys fees. 

This letter constitutes your final warning. You are hereby instructed to stop and refrain from [ specific conduct ] effective immediately. 

Failure to comply will leave me with no alternative but to take further legal action without additional notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect, through counsel, continues to harass me despite this account being deleted from all three CRAs. In their XXXXXXXX XXXX XXXX  email, they threatened a countersuit for perjury based on alleged social media photos not proper legal verification. 

I specifically requested verification under the FCRA and FDCPA, including : A signed lease agreement or complete e-signature audit trail A full chain of title from the original creditor to ProCollect , Inc . 

Proof of ownership or assignment rights Instead, ProCollect mailed me only a move-out statement, which is not proof of a valid debt obligation. They continue to claim the debt without producing legally required documents. 

This conduct violates both FCRA 1681s-2 ( b ) and FDCPA 1692 : FCRA Violations 15 U.S.C. 1681s-2 ( b ) 1681s-2 ( b ) ( 1 ) ( A ) : No reasonable investigation social media is not legal debt proof. 

1681s-2 ( b ) ( 1 ) ( B ) : Failed to review all information I provided ( FTC report , affidavit, ID, proof of address ).

1681s-2 ( b ) ( 1 ) ( C ) : Failed to report accurate results to CRAs account deleted, yet collection threats continue.

1681s-2 ( b ) ( 1 ) ( D ) : Did not delete unverifiable data instead resumed threats.

1681s-2 ( b ) ( 1 ) ( E ) : Continued furnishing/collection despite no lawful verification willful noncompliance.

FDCPA Violations 1692d ( 2 ) : Threatening countersuit/perjury = harassment. 

1692e ( 2 ) ( A ) : False representation of debt move-out statement proof of debt.

1692e ( 5 ) : Threatening legal action that can not lawfully be taken.

1692e ( 8 ) : Continuing to assert credit information known to be false after deletion.

1692g ( b ) : Failing to cease collection without proper validation.

Requested Resolution : Formal CFPB oversight to stop harassment and intimidation tactics.

Confirmation that ProCollect has no legal right to pursue this debt.

Permanent closure of this account, with no further contact.

Preservation of my rights to pursue statutory damages under FCRA 1681n/o and FDCPA 1692k.

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 2025-08-26 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.

1681c2 ) 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 four 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 XXXX - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard 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 2025-08-26 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: AL

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 response to consumer: Closed with non-monetary relief