vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is now my second demand letter to TransUnion under FCRA Section 605C. My first letter was sent via certified mail, and I have proof of delivery confirming receipt. Despite that, TransUnion willfully ignored the law and refused to remove the fraudulent information within the legally required XXXX window. 

Let me be clear : TransUnion is in direct violation of federal law by continuing to report information tied to identity theft and XXXX after formal notice was submitted. You have not only failed to complyyou have retraumatized a survivor and deliberately allowed illegal data to remain on my file. 

I am now escalating this to the Consumer Financial Protection Bureau ( CFPB ) and filing a formal complaint for noncompliance, negligence, and emotional distress. If immediate suppression and deletion is not confirmed, I will be pursuing legal action and damages for your refusal to uphold my rights.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance : {$83.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: CT

Complaint narrative:
I received a collection notice from XXXX XXXX for a debt I did not recognize and which I do not believe I owe. On XX/XX/scrub>XXXX I sent a formal debt validation request via certified mail under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In my letter, I asked the company to provide : A copy of the original signed contract or agreement bearing my signature A full itemized account history Proof of legal assignment of the debt from the original creditor To date, the company has failed to provide any of the required documentation. Despite this, they continue to report this unverifiable debt to the credit bureaus and/or pursue collection, which is a direct violation of federal law. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the company to either properly validate the alleged debt with legal documentation or cease all collection activity and remove any negative reporting from my credit file.

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 2025-06-21 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-06-20 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNT AND INQUIRY FROM MY CONSUMER REPORT NO LATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. ACCOUNTS : EXPERIAN 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding a reported late payment that appears to be false. I have attached my payment confirmation for the period in question, which shows that the payment was made before the deadline. This inaccurate reporting has had a negative impact on my credit score and may affect future financial opportunities. Please investigate and promptly delete this incorrect entry to ensure the integrity of my credit file.

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 2025-06-20 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: OR

Complaint narrative:
XXXX XXXX has an account in my name, opened in XX/XX/year>, but they will not help me address the fraud. I did not open this account, and I do not know who did. This is criminal and I need help addressing this. I called XXXX and they have been no help and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I'm reaching out regarding an account currently appearing on my credit report that is completely unfamiliar to me. I have no knowledge of this account, Ive never opened it, and I have never authorized anyone else to open it on my behalf. In short : this account does not belong to meand it absolutely should not be on my credit file.

After carefully reviewing my report, its clear that this is a case of mixed file datawhere someone elses account has been incorrectly linked to my personal information. Whether this error occurred due to a similar name, a social security number mix-up, or some other database mistake, it needs to be corrected immediately. I am not liable for debts or accounts that were never mine to begin with, and I should not be forced to deal with the consequences of reporting errors that violate the standards of accuracy under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  apartment complex claims I owe a balance of {$3200.00}, which I do not. I moved out on XX/XX/XXXX, the end of my lease, and chose not to renew due to poor management. I cleaned the apartment thoroughly, removed all furniture and trash, and returned the keys using the drop box since no staff were present during office hours. 

Despite leaving the unit in good condition, I was charged for cleaning, trash, and furniture removal, as well as a rent balance. This leasing office has had issues before in XXXX, they attempted to evict me based on false claims I hadnt paid rent or renewed my lease, when in fact they had lost my paperwork and payment records. 

After receiving a collections notice, I contacted the leasing office. I was told the manager would call me back, but no one ever followed up, despite multiple attempts. I believe these charges are inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding two JPMCB ( Chase Bank ) credit card accounts being reported on my credit reports, which are either duplicates or contain significant errors and are damaging my credit profile. 

The two accounts are : JPMCB CARD Account # : XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$5000.00} ) JPMCB CARD Account # : XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3500.00} ) These two tradelines report identical or nearly identical payment histories from XXXX through XXXX. Both show monthly charge-off ( CO ) notations extending into XXXX and XXXX, long after the account was charged off in XXXX, which constitutes re-aging of delinquency historya violation of FCRA 605 ( a ) ( 5 ) and XXXX XXXX reporting standards. 

I have reason to believe this is a duplicate account reporting, a mixed file issue, or inaccurate maintenance of tradeline data by the furnisher or credit bureaus. These duplications and repeated COs after charge-off severely impact my credit and are misleading to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I understand my student loan was transferred. My problem is that NAVIENT never updated my account from delinquent to current due to the transfer. It has still reported as delinquent since XXXX! I want it updated immediately! Once the account was transferred it was considered paid and the XXXX status should be updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-06-20 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-21 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:
Delete the report items. I am a victim of idntity theft ad did not authorize the charge. Corect my credit reprt accordingly. I've reprted the incident to the FTC and have mailed the Affidavit. Can you please expedite this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
Delete the report items. I am a victim of idntity theft ad did not authorize the charge. Corect my credit reprt accordingly. I've reprted the incident to the FTC and have mailed the Affidavit. Can you please expedite this?

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 2025-06-20 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:
In XX/XX/XXXX, I became deeply concerned when I discovered that someone has been using my name to open fraudulent accounts and credit inquiries without my permission. These accounts are not mine, and I never authorized them at any point. I am very worried because this is clearly a case of identity theft, and I urgently ask for your help to investigate and resolve this situation as soon as possible. I demand that you carry out an investigation and take immediate action to REMOVE and BLOCK these fraudulent accounts and credit inquiries from my credit report. These are the accounts : 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 XXXX These items are causing me serious personal, emotional and financial harm. I expect an immediate investigation, written confirmation of removal and no further damage to my credit.

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 2025-06-21 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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
My information has been compromised in XXXX different places XXXX XXXX XXXX XXXX and XXXX because of a data breach. 
by Midland Credit Management, a XXXX XXXX. This has an effect Me A Great Deal I do XXXX XXXX would like to open up a private care center XXXX Day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
XX/XX/XXXX branch manager text me from his personal number XX/XX/XXXX branch manager text me again from personal number XX/XX/XXXX Branch manager text me threatening me from his personal number and I finally text back and told him what was up why the payment hadnt been made and I tell him its not appropriate to text me from his personal number and then he goes to tell me it would be appropriate for me to return a phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MI

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent, including accounts with ally financial, credit collection servic, XXXX XXXX XXXX XXXX XXXX XXXX. I did not apply for these accounts, nor did I authorize anyone to use my personal information. These accounts were fraudulently opened and used, and I am disputing their validity. I request a full investigation and the removal of these fraudulent accounts from my credit reports. I have filed this identity theft report to document the incident and support all disputes with the credit bureaus and financial institutions involved.

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 2025-06-21 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: MI

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent, including accounts with ally financial, credit collection servic, XXXX XXXX XXXX XXXX XXXX XXXX. I did not apply for these accounts, nor did I authorize anyone to use my personal information. These accounts were fraudulently opened and used, and I am disputing their validity. I request a full investigation and the removal of these fraudulent accounts from my credit reports. I have filed this identity theft report to document the incident and support all disputes with the credit bureaus and financial institutions involved.

Company response to consumer: Closed with non-monetary relief