vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
I, XXXX XXXX, am formally reporting that I am a victim of identity theft. Multiple accounts have been fraudulently opened in my name without my authorization. These unauthorized accounts have negatively impacted my credit score and financial reputation. 

I did not apply for credit, authorize services, or sign agreements with the companies listed below. These accounts were established using my identity without my knowledge or consent. 



3. Fraudulent Accounts Identified Credit Card Fraud Company : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$350.00} Company : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date XXXX  : XX/XX/XXXX Fraudulent Amount : {$2400.00} XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$960.00} Company : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$460.00} Utility Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$13000.00} Fraudulent Information on Credit Report Yes, fraudulent accounts and charges are currently appearing on my credit report. 

Additional Details Previously Unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employment Listed : XXXX, XXXX, XXXX  XXXX  Unauthorized Credit Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX Declaration Under penalty of perjury, I declare that the information provided in this report is true and correct to the best of my knowledge. I understand that knowingly making false statements may result in criminal prosecution and penalties. 

Signature : XXXX XXXX XXXX : XX/XX/XXXX 2025

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 2025-06-25 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: GA

Complaint narrative:
I, XXXX XXXX, am formally reporting that I am a victim of identity theft. Multiple accounts have been fraudulently opened in my name without my authorization. These unauthorized accounts have negatively impacted my credit score and financial reputation. 

I did not apply for credit, authorize services, or sign agreements with the companies listed below. These accounts were established using my identity without my knowledge or consent. 



3. Fraudulent Accounts Identified Credit Card Fraud Company : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$350.00} Company : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date XXXX  : XX/XX/XXXX Fraudulent Amount : {$2400.00} XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$960.00} Company : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$460.00} Utility Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$13000.00} Fraudulent Information on Credit Report Yes, fraudulent accounts and charges are currently appearing on my credit report. 

Additional Details Previously Unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employment Listed : XXXX, XXXX, XXXX  XXXX  Unauthorized Credit Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX Declaration Under penalty of perjury, I declare that the information provided in this report is true and correct to the best of my knowledge. I understand that knowingly making false statements may result in criminal prosecution and penalties. 

Signature : XXXX XXXX XXXX : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 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: MI

Complaint narrative:
b"I had opened a complaint with the attorney general's office against Experian because they were reporting delinquent payments from XXXX as being the reason my score remained low.  An investigation was opened with the Michigan Attorney General's office (XXXX and I worked with XXXX XXXX at Experian (XXXX) on getting the details on the XXXX reported late payments, as I was 100% sure I did not have delinquent payment history.\n\nI was in the process of auditing the last 5 years worth of XXXX  banking records for another complaint I filed against XXXX XXXX for unauthorized debits and fraudulent records keeping - as I had all of the data from 5 years of banking, I realized the credit reporting error as well, as it was listed on XXXX documents.  This was how I discovered the credit reporting inaccuracies on my XXXX XXXX XXXX\n\ncfpb complaint XXXX assigned to XXXX  representative XXXX who reached out to me XXXX XXXX XXXX regarding communication protocols, and also left contact details of XXXX extension XXXX XXXX. \n\nWhile looking at the XXXX account documents for this case, I noticed the credit cards were listing the XXXX delinquent payments, and my older records confirming payments made consistently and regularly until payoff XXXX.  I then logged in to my XXXX app and found XXXX account ending XXXX  still showing as active (but with no billing history as of XXXX XXXX).  I believe this is how the fraud is being perpetrated against my credit cards, this card was closed.\n\nI was advised by CFPB today to create a new complaint, even though the XXXX XXXX  account is the same, so I am submitting another complaint about XXXX and its handling of my credit reporting data."

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 2025-06-25 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: VA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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 oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma showed an offer to refinance my vehicle at 5.01 %. After filling out the information on Credit Karma on XX/XX/year>, the company XXXX contacted me and offered me an extremely higher rate ( 8 % ) than advertised. They did a hard credit check ( lower my score ) and didn't even honor the advertised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX : XX/XX/XXXX Experian 's XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, The rating is inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. Delete or fix the information on the account detail section. 

XXXX XXXX Account number : XXXX, I dont remember having a charge-off. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2025-06-25 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Account Reporting / Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy and legality of a negative item reported on my XXXX credit report by Midland Credit Management. This item appears to be inaccurate, incomplete, and unverified in violation of the Fair Credit Reporting Act ( FCRA ). Below is a summary of the account and the associated issues. 

Creditor : Midland Credit Management Reported Balance : {$840.00} Dispute Summary : Account appears re-aged and lacks original debt validation. 

Legal Violations Noted : FCRA 611 FDCPA 809 ( b ) Requested Action : Delete this account entirely unless full validation is provided, including original agreement and accurate DOFD. 

Please conduct a full reinvestigation of this item as required by FCRA 611. If the furnisher of the information can not provide sufficient documentation to verify the account including the original signed agreement, full payment history, and proof of chain of custody this item must be permanently deleted from my credit report. 

I expect a response within 30 days as required by law. Please send all correspondence in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX as indenture trustee for XXXX XXXX XXXX Account XXXX XXXX failed to acknowledge a perfected legal and commercial claim concerning two credit card charge accounts owned by the complainant. 

On XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX formal notice and demand were delivered to XXXX XXXX XXXX XXXXXXXX as the indenture trustee for XXXX XXXX XXXX Account XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX concerning the two credit card accounts in reference. 

The notice lawfully established a perfected security interest and instructed XXXX XXXX XXXX XXXXXXXX as indenture trustee for XXXX XXXX XXXX Account XXXX XXXX to acknowledge the claim and settle the obligation in accordance with all applicable law, commercial code, public policy governing monetized credit obligations and perfected interests, and controlling legal authority, including but to limited to commercial statutes and fiduciary standards. It also directed coordination with all related financial institutions involved. 

No written response or acknowledgment was received by XXXX XXXX XXXX XXXXXXXX as indenture trustee for XXXX XXXX XXXX Account XXXX XXXX as of XX/XX/year>, and the time allotted to respond has passed. No rebuttal was provided, nor was any corrective action taken by XXXX XXXX XXXX XXXXXXXX as indenture trustee for XXXX XXXX XXXX Account XXXX XXXX or its affiliates. This failure to respond and non-performance constitutes commercial dishonor, constructive fraud, unjust enrichment, breach of fiduciary duty, as well as tacit and administrative acceptance, creating an estoppel by acquiescence. 

The account holder has been denied beneficial access to both cards and now seeks CFPB assistance to urge XXXX XXXX XXXX XXXXXXXX as indenture trustee for XXXX XXXX XXXX Account XXXX XXXX to respond and formally recognize the perfected security interest, settle the obligation according to all applicable law, and provide full remedy for the resulting harm caused by continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: ME

Complaint narrative:
I was alerted through a credit report issued to me on XX/XX/2025, that a debt collector trading as XXXX XXXX XXXX ( XXXX ) submitted an outstanding medical debt to credit reporting agencies- including XXXX XXXX XXXX XXXX - in the amount of {$3200.00}. XXXX represents XXXX XXXX XXXX XXXX located in XXXX Maine. 

In accordance with Federal and State law, XXXX failed to send me a written debt validation letter prior to reporting the debt to credit agencies and violating my civil rights to a 30 day window to review and respond. In addition, XXXX sent a text - I thought it was spam and deleted it. 

Prior to XXXX, another company - XXXX XXXX  - called me about the debt and I told them the debt was in dispute with XXXX XXXX XXXX and I required a debt validation letter from them. They did not send one. 

I sent several letters to the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX disputing the amount for several reasons including the Hospital 's inability to provide documentation of XXXX costs presented directly to me. 

XXXX XXXX 's mitigates bill collection through a third party company trading as XXXX. XXXX XXXX continually represent themselves as XXXX XXXX 's employees when they are not. XXXX sends bill notices on XXXX XXXX 's letter head while providing a phone number to XXXX under the guise of XXXX XXXX XXXX XXXX without the patients knowledge. No one from XXXX XXXX 's responded to my inquiries, with the exception of a complaint I filed with XXXXXXXX XXXX XXXX XXXX  regarding Maine Unfair Trade Practices followed by a XXXX and unhelpful response. 

I have sent a registered letter to XXXX  outlining the violations of my civil rights and directing them to remove the alleged debt from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MS

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

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

Company 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 2025-06-25 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: MS

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Easier Funding, LLC
State: DE

Complaint narrative:
I was told all my bad credit and collections and credit inquiries would be removed and my credit score would be in XXXX plus range

Company response to consumer: Closed with explanation