vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've Disputed my personal information with Transunion and Equifax but nothing has been updated. I updated my address, along with my drivers license for verification purposes. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have XXXX address only there shouldn't be many addresses on my credit report I don't have any association with. according to the FCRA anything on credit reports should be accurately reporting. TransUnion And Equifax aren't accurately reporting. I would like for my address to be updated Immediately

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 2025-03-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CO

Complaint narrative:
Recently looking at my Equifax, TransUnion, and Experian accounts I have noticed several inaccuracies in the following accounts associated with my name and credit reports. It is my understanding that you will THOROUGHLY investigate these negative accounts to ensure me accuracy of the reporting. 

Following accounts ( XXXX ) XXXX XXXX account # XXXX ( XXXX ) XXXX XXXX XXXX  XXXX account # 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 2025-03-17 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: CO

Complaint narrative:
Recently looking at my Equifax, TransUnion, and Experian accounts I have noticed several inaccuracies in the following accounts associated with my name and credit reports. It is my understanding that you will THOROUGHLY investigate these negative accounts to ensure me accuracy of the reporting. 

Following accounts ( XXXX ) XXXX XXXX account # XXXX ( XXXX ) XXXX XXXX XXXX  XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Credit Report Information Dear Equifax , I am writing to formally dispute certain information in my credit report, which I obtained from your agency on [ insert date you received the report ]. According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate or incomplete. 

The specific items I am disputing are : SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED 2 LACK OF RECENT REVOLVING ACCOUNT INFORMATION PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKN I believe these items are inaccurate for the following reasons : My information was exposed to a data breach all my information was exposed to the public and I dont need my dispute to into a third day dispute under section 605 B ( Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection of this section ) this should be removed in 4 days. 

I have enclosed copies of any relevant documents that support my dispute, including list any documents you are including, such as payment records, account statements, or identification. 

Please conduct a thorough investigation of these disputed items. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 4 days of receiving this letter. 

Once your investigation is complete, please provide me with a full report of your findings, as well as a copy of my updated credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter. Should you need to reach me for any reason, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX XXXXXXXX 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 2025-03-17 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: NC

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
I filed bankruptcy XXXX + years ago this should have been taken care of now I have XXXX attorney threatening me to take all of my info and social status I cant find the bankruptcy paper work as right now but I do have it I just need to find it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. My information has been leaked in multiple data breaches. According to my rights under the Fair Credit Reporting Act ( XXXX  ) and the Fair Debt Collection Practices Act ( XX/XX/XXXX), I have requested validation of these debts, as they do not belong to me. 
Details of Complaint : The debts listed on my credit report are not mine. 
Under XXXX XXXX. XXXX ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt. 
Additionally, under XXXX XXXX. XXXX ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within XXXX  days. 
The debt XXXX have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them. 
Reporting inaccurate or unverifiable debts is a violation of XXXX XXXX. XXXX ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports. 
Requested Resolution : XXXX. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt XXXX can provide : o A signed contract or agreement proving that I am responsible for the debt. 
o A complete payment history, including the original creditors name and address. 
o XXXX of assignment or transfer of the debt ( if applicable ). 
XXXX. If the debt XXXX are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under XXXX XXXX. XXXX. 
XXXX. I also request that the CFPB ensure that the credit reporting agencies and debt XXXX comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. 
I appreciate your attention to this matter and expect a resolution within the legally required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-17 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 C/O XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Dear XXXX XXXX, RE : XXXX XXXX XXXX XXXX, # XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection form your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus XXXX constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. in addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( XXXX  ) and other state federal agencies. 

Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the allege debtor wherein he promises to pay the creditor. 
Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

With regards, Thank You for your time, 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 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: AZ

Complaint narrative:
I was POA on my now XXXX XXXX XXXX XXXX XXXX XXXX ) uncles checking account XXXX XXXX XXXX The federal government under XXXX overreached and took all of XXXX, XXXX XXXX XXXX payments back. However my uncle didn't die until XXXX. He was institutionalized for the past several years. And while XXXX should have taken a partial amount of XX/XX/XXXX, full payment for XX/XX/XXXX XXXX XX/XX/XXXX as paid in error, they over reached by taking all of XX/XX/XXXX. Now XXXXXXXX XXXX is sending me threatening letters, not signed and with no return address. Included in the threatening letter was assigning this to a collection agency, calling the police!!!! And submitting to fraud department. The most recent claim letter is from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX Reference XXXX. Total amount of {$1800.00}. This amount belongs to XXXX from XXXX who over reached. Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrinenof estoppel by silence, XXXX vs XXXX Mo XXXX XXXX XXXX .I XXXX presume that no proof of the alleged debt. Nor therefore any such debt, in fact exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX XXXX resident XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX this XXXX to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-03-17 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
this was sent XXXX XXXX of last year when they emailed me. I am writing to dispute a fraudulent charge on my account on these posted dates. I am a victim of identity theft, and I did not make these charges. I request that you remove fraudulent charges any related finance charges from this account. Send me an updated and accurate statement and close the account. I also request that you cease reporting the accurate information to all the nationwide credit reporting agencies.I have stated i have never lived in these apartments in my life. 
The address that you have on file, that is attached to this email I have not lived there since XX/XX/2020.

Company response to consumer: Closed with non-monetary relief