vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection onTransUnion only collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXthe account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection all TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is showing late payment history Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXXX/XX/XXXX the account is shown in collection on Experian and Equifax only collection account opened at XXXX on XX/XX/XXXX account number XXXX XX/XX/XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is showing late payment history on Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on Experian and Equifax only, the account is showing late payment history on Equifax only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on Equifax only, the account is showing late payment history on Equifax only which is being inconsistently reported among the national credit bureaus.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
" I am disputing inaccurate late payment information reported by XXXX with account number ending in XXXX. The payments reported as late on XX/XX/year> / XX/XX/year> / XX/XX/year> were in fact made on time. Please investigate this matter thoroughly and update my credit file to reflect accurate on-time payment history. ''

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have hard inquiries needs to be disputed XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is shown in collection onTransUnion only collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe account is shown in collection on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection all TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Experian and Equifax only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX the account is shown in collection on Experian and Equifax only, the account is showing late payment history on Equifax only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX the account is shown in collection on Equifax only, the account is showing late payment history on Equifax only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection accounts XXXX  XXXX  To Whom it May Concern, This is a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices act ( FDCPA ) ,15 U.S Code 1692g.

Please provide original signed contract and a full chain of assignment -- -Including proof that you lawfully own this debt and have the right to collect. 
If the debt was securitized and sold to a trust, then you must prove ownership, not just servicing rights Until then, cease all collection activity and communication Validate debt Purchase aggreement Proof of original debt Documentation showing amount Owned terms of aggrement Transfer of rights Sale of aggrement from original creditor to the collector Chain of assignments Documentation of transfer Notice of assignment-Informing the consumer about transfer Forward flow agreement Chain of custody Chain of title Bill of sale Original contract with my signature Sincerely, 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 2025-06-07 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: CA

Complaint narrative:
I opened a XXXX XXXX XXXX loan on XX/XX/XXXX, and made payments directly through the XXXX XXXX XXXX app, using my XXXX XXXX checking account my only bank account. This method worked without issue for several months. 

However, in late XXXX, XXXX XXXX made silent backend changes that disconnected XXXX XXXX XXXX from internal XXXX XXXX bank accounts within their app. As a result, I could no longer make payments using my linked checking account unless I re-added it manually as an external account despite both accounts being with XXXX XXXX. 

I received no notification or alert about this change. When I attempted to resume payments, the app would not allow it. I contacted customer service multiple times, but was repeatedly told there was no issue. This added to the confusion especially since XXXX XXXX XXXX does not control or have visibility into the app only XXXX XXXX Bank does. The support I reached had no explanation for the broken functionality and no guidance on how to restore it. 

I ultimately figured out the problem myself and resumed payments on XX/XX/XXXX, through the app. Since then, I have maintained consistent, on-time monthly payments. The loan remains open and active, with a balance of {$11000.00} as of XX/XX/XXXX. 

This was not neglect or financial hardship it was a design flaw and communication failure by XXXX XXXX that led to missed payments. Ive included supporting exhibits showing payment confirmations, system errors, app screenshots, and transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXXXX/XX/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 2025-06-07 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed this inquiry was on my credit. I did not have any knowledge of this application. The consumer reporting agencies were asked to report accurate and valid information without error. This inquiry is not valid! I am now asking you to investigate and provide verifiable proof showing that I applied for that XXXX XXXX XXXX If this information can't be verified, I demand this inquiry get deleted. Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-07 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: Experian Information Solutions Inc.
State: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-07 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: Experian Information Solutions Inc.
State: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-07 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-06-07 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-06-07 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to XXXX, Transunion & XXXX under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within XXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent inquiries on my report. Please remove these inquiries from my report, they are hurting my ability to obtain credit. 

XX/XX/scrub>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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation