vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Ive been trying for months to get Experian, Equifax and TransUnion to remove fraudulent accounts and unauthorized inquiries from my credit report, but they keep refusing, despite multiple dispute letters and supporting documents.

These errors are causing me major stress and financial harmIve been denied credit because of them. The credit bureaus claim they " verified '' the accounts, yet they provide no proof.

Im asking the CFPB to step in and make them : Delete the fraudulent accounts and inquiries immediately. Provide proof of how they verified these items. Ensure they comply with the Fair Credit Reporting Act. I need this resolved ASAP to stop the damage to my credit and peace of mind. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Ive been trying for months to get Experian, Equifax and TransUnion to remove fraudulent accounts and unauthorized inquiries from my credit report, but they keep refusing, despite multiple dispute letters and supporting documents.

These errors are causing me major stress and financial harmIve been denied credit because of them. The credit bureaus claim they " verified '' the accounts, yet they provide no proof.

Im asking the CFPB to step in and make them : Delete the fraudulent accounts and inquiries immediately. Provide proof of how they verified these items. Ensure they comply with the Fair Credit Reporting Act. I need this resolved ASAP to stop the damage to my credit and peace of mind. 

Thank 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
AN ACCOUNT IS SHOWING A BALANCE OF XXXX FROM I C SYSTEMS ORIGINALLY XXXX IS NOT MINE. 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 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX debt collections agencies information were removed about XXXX years ago from XXXX  credit bureau. XXXX was XXXX and the other was XXXX XXXX XXXX cellular phone bill. 

I left XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and ported my number over to XXXX the same day. I sent payment to XXXX XXXX XXXX XXXXt day or next closing out my account. About XXXX years later a bill for XXXX showed up on XXXX  credit report. I disputed it and the debt was removed. Fast forward to XXXX XX/XX/XXXX and the XXXX was back on my report. I saw XXXX TELEPHONE NUMBERS, XXXX XXXX XXXX XXXX XXXX had XXXX number and my mother had another. She came down with XXXX and I canceled her phone. She died XX/XX/XXXX. Why the XXXX would someone on XXXX income have XXXX XXXX numbers?!! It was all I could do to live with lights on!!! I contacted XXXX  AND DISPUTED BOTH OF THESE XXXX XXXX XXXX XXXX dark web monitoring indicated my social security number and drivers license number were compromised.!!! I conclude that that is why my name ended up with bogus information on the XXXX  and XXXX  credit reports. Mind you!! The XXXX companies negative information were removed by XXXX  after I disputed it around XXXX  of XXXX if I recall rightly. Now both these are back on my reports again!! HOW!!!!???? 

Same deal with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had my service cancelled on XX/XX/XXXX or XXXX and paid the bill of around XXXX. I advised XXXX  of new address. XXXX  indicated that a XXXX would be sent to y new residence and XXXX would pick up the satellite receiver. SHORTLY before the end of XXXX, XXXX showed up to get the receiver and I told the driver I had not been sent the box per their customary, XXXX, of retrieving satellite receivers. I kept the receiver for over XXXX years and never did XXXX do as I was instructed they would do by sending the box and THEN sending XXXX to collect satellite receiver in the box provided by XXXX. 


XXXX ) In both cases, my rights were violated. No notice and no permits given to allow a third party to collect or negotiate the bills down. 

XXXX ) STALE DEBTS. The statute of limitations is expired with XXXX XXXX XXXX, though I do not owe it, therefore, collecting the debt by means used is inappropriate and legally moot! 


I submit that these debt XXXX XXXX XXXX And Creedence Management are intentionally attempting to intimidate me because of my age- XXXX XXXX XXXX. Since I turned XXXX, I have been plagued by debt XXXX for XXXX I did not owe!! This needs to stop forthwith and without XXXX!! Intimidating folks in my age group is common and needs addressing asap!!!! 

However, I sure as XXXX dont get scared of people or situations. I borrow from todays lingo It is what it is!. 



I contacted both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It was a waste of my time. Representatives were as useless as XXXXXXXX XXXX XXXX XXXX XXXX 

Thank you!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
20 Payments and my principle has barely decreased. 20 % APR GM FINANCIAL wont help me rewrite my deal even after I went through a repo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-18 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-18 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 recently reviewed my credit report and found inaccurate late payment notations on my XXXX XXXX  account Account # XXXX. All payments have been made on time, making these reports incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of reported data. Specifically, TransUnion and XXXX incorrectly report a 30-day late payment for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, as well as a 60-day late payment for XX/XX/year>. XXXX inaccurately reports 30-day late payments for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, along with a 60-day late payment for XX/XX/year>. These errors should be corrected within 15 days of receipt. Additionally, I request documentation verifying compliance with 15 U.S. Code 1666b, which requires that periodic statements be delivered at least 21 days before the due date. Please provide the periodic statement and corresponding tracking number to confirm timely delivery. I have attached supporting documentation highlighting these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-18 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:
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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 may 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 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian, Transunion, & Equifax continue to report inaccurate and incomplete information. My name and address is listed incorrectly on my reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. Any other information is not correct. The credit bureaus claim that the information listed is from creditors but this is not correct. 

1 ) 2 ) Laws 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES | U.S. 
Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) Have 30 days to respond15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) a According to FCRA, any information that is not 100 % correct and current ( e.g. old names and addresses ) from a report must be deleted 15 U.S. Code 1681i - Procedure in case of disputed accuracy | XXXX Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) If it comes back, the bureau has to notify in writing within 5 days that it is going to be put back on your credit report. If they do not ( which they often dont ), they broke the 3 ) law. And, if you have demanded validation prior to that from the supplier of the information ( the collection company ), then they broke the law too. Thats a {$2000.00} minimum judgment in one swift motion. Then, they will have to pay AND remove the tradeline15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) ii 4 ) Negative information consumer must be notified 30 days prior or after Fair Credit Reporting Act - Revised XXXX XXXX XXXX XXXX XXXX 5 ) Reasonable procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX  Institute ( cornell.edu ) 6 ) A third-party can't legally claim to verify anything because they lack first-hand knowledge

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-03-18 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: FL

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.

Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX - XX/XX/year> 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 may 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 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 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, amount of XXXX. 
mailing address XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
I am writing to follow up on my previous complaint regarding an inaccurate account reported on my credit file. Despite my earlier request, this account remains on my report, causing harm to my credit profile. I am now requesting that Experian, Equifax, and TransUnion take immediate action to remove the incorrect account from my credit report as required by law. Below are the details of the account that needs to be removed : XXXX XXXX XXXX  {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
I am writing to follow up on my previous complaint regarding an inaccurate account reported on my credit file. Despite my earlier request, this account remains on my report, causing harm to my credit profile. I am now requesting that Experian, Equifax, and TransUnion take immediate action to remove the incorrect account from my credit report as required by law. Below are the details of the account that needs to be removed : XXXX XXXX XXXX  {$6500.00}

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 2025-03-18 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief