vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TN

Complaint narrative:
I recently submitted a dispute inquiring about the completeness and accuracy of an account on my credit report. They clearly failed to conduct a reasonable investigation. I have reason to believe this information on my credit report is still reporting inaccurately and incomplete. This is causing me a lot of stress and I am becoming depressed. Please help me I feel like my life is ruined. 


Please understand I am a natural person and I am the one submitting this dispute. This dispute is not being submitted by a third party!

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 2025-03-25 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: SC

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$9800.00} XXXX XXXX Original Creditr : XXXX XXXX XXXX Balance {$2300.00} XXXXXXXX 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 2025-03-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I already replied to the debt collector within 30 days of the first notice with a certified mail which was delivered on XX/XX/XXXX. I asked for the proof of debt but did not receive a signed contract nor verification letter. I also filed complaints here at cfpb based on the debt collector 's instruction.

It is not reasonable that the creditor allowed the debtor to use the charged service without a signed contract nor an ID verification.

My previous complaint below was not addressed in the previous complaint. Therefore I will need to file complaints until the verification letter/signed contract is provided by Rash and Curtis or they close the case. 
XXXX Rash and Curtis, a debt collecting company, provided an invoice ( not signed by the debtor whose identity was not verified ) from the creditor XXXX XXXX XXXX ; total invoice is {$340.00} plus other fees ( interest for unpaid said invoice ) that were handwritten. I have never interacted with nor made any transactions with XXXX XXXX XXXX. This transaction and phone number provided was unknown to me and yet my name and address were present. No other personal identifiable or payment used information or debt verification letter was ever provided to me by Rash and Curtis. Rash and Curtis also threatened to report this unpaid debt to the credit bureau unless I paid what I supposedly owed. I called Rash and Curtis at ( XXXX ) XXXX on XX/XX/XXXX and talked to XXXX. He mentioned that the case was escalated and they requested XXXX XXXX XXXX to verify the debtor 's name, address, payment, and other personal identifiable information. However, it is clear the debt collecting company never received a confirmation from XXXX XXXX XXXX as Rash and Curtis keep following up with me despite numerous complaints that they are trying to collect debt from the wrong person. As Rash and Curtis has not confirmed the identify of the actual person who owes XXXX XXXX XXXX the {$340.00} plus other fees and no debt verification letter was ever provided to me, there is no reason for Rash and Curtis to keep following up. It should be on the responsibility of the creditor XXXX XXXX XXXX to provide due diligence and I am a victim as a result of the neglect. Until Rash and Curtis can provide me with a debt verification letter, I do not wish to continue communication with Rash and Curtis. Rash and Curtis has provided significant unnecessary stress to me and I am hoping these unnecessary interactions stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
To whom it my concern the fallowing account XXXX XXXX  account numbers XXXX are claiming with a balance as you know.This is not possible and also a violation of my rights.Because of this account need to be removed from my credit report immediately due to no property validating the information in which a company passed to you .Please delete immediately. When the requested above deletion are made, Please mail me an updated copy of 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had received a payment for {$100.00} which XXXX  had put " on hold '' for 21 days ; after 19 days of waiting I contacted XXXX  support to ask if they would please release the funds to me, and I offered to show proof of delivery of the item which I had sold, which they were holding the funds for. The XXXX  support sent me a link to upload the proof of delivery, which I did. Then about an hour or two later I receive notice from XXXX  that my account is suspended and I need to verify my identity by uploading ID documents, even though my account had already been fully verified. So I did that and uploaded pictures of my ID. Then I receive another notice from XXXX  that my account has been permanently suspended and I am no longer allowed to use their services, and that any money in my XXXX  account will be released to me in 180 days. They give no reason why, and refuse to give reason why. The {$100.00} which was scheduled to be released to me on XX/XX/year> is now going to be held for an additional 180 days ; which is absurd and unacceptable. I would very much appreciate that my money please be released to me, and as for my account being suspended, that is of no importance to me as I will no longer be using their service due to their inherent lack of customer service and their absurd and unacceptable business practices. They have no right to hold money which legitimately belongs to me, for any length of time, and especially not for 180 days. That is unfair and extremely unjust business practice on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I filed a dispute on XXXX, Fair collections & Out due to false charge on credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws.

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 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank had promotional interest free period for 18 months. Instead of interest accruing after 18 month period, interest accrued the whole time and hit statement as a lump sum exceeding the remaining balance by over 100 % after 18 month period. After noticing this predatory lending structure, I paid full lump sum balance and the following month am still being charged interest for some reason. Misleading predatory lending.

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 monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: NC

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-25 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: NY

Complaint narrative:
I am writing to follow up on my previous complaint dated XX/XX/year>2025, regarding the inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my credit report. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within 30 days. However, I have yet to receive a resolution or update regarding this matter. 
To reiterate, the discrepancies in this accounts reporting include conflicting information on the accounts open date and last reported date. These inconsistencies raise concerns about the accuracy and reliability of this record. Since this account reflects a XXXX balance, and given the inconsistencies, I urge you to remove it from my credit report promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am writing to follow up on my previous complaint dated XX/XX/year>2025, regarding the inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my credit report. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within 30 days. However, I have yet to receive a resolution or update regarding this matter. 
To reiterate, the discrepancies in this accounts reporting include conflicting information on the accounts open date and last reported date. These inconsistencies raise concerns about the accuracy and reliability of this record. Since this account reflects a XXXX balance, and given the inconsistencies, I urge you to remove it from my credit report promptly

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 2025-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name came up in the data breach XXXX XXXX and it said that it was impacted which affected my banking my ability to get credit and drop my score over XXXX points I'm asking for a total deletion cuz my credit was impacted and my information is out there too many temps in my bank account fraudulent ly using my name I feel now that it's fraudulently used someone is signing my name and it destroyed my credit I'm asking for a total deletion to get back on my credit journey and get my life back in orde

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-25 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: MO

Complaint narrative:
Inaccurate Inconsistencies in all of the Fraudulent Payments made on this account for XXXX & XXXX of 2024. XXXX is reporting 2 payments were made, in which one fraudulent payment was made in the month of XXXX and the application wasnt filled out until XXXX, so could have never made that payment at all. While the other payment is being reported for the of XXXX, in which was the middle of the month of XXXX when applied for credit. TransUnion is reporting 1 payment was made for the same month of XXXX. In which I never made a payment on this account because I was told on recorded phone call a week later after the account was opened that the account was CLOSED. Due to social security number discrepancy from being a victim of identity theft. Both reports have two different Original Loan Balances.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
All Evictions on my report are not mines.someone was using my name to rent apartments, 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 2025-03-25 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights and confidentiality under 15 U.S.C. 1681. 

Accounts in question : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) 30-day delinquent XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) I reviewed my TransUnion credit report and identified discrepancies that indicate inaccurate and potentially unverifiable reporting.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of any information they furnish about consumers. The reporting of the above accounts has failed to meet this standard.

Additionally, under 15 U.S.C. 1681i ( a ), if a consumer disputes the accuracy of any information, the credit bureau must conduct a reasonable reinvestigation within 30 days. If the disputed information is found to be inaccurate or can not be verified, it must be promptly deleted or corrected to reflect the accurate status.

Further, per 15 U.S.C. 1681s-2, furnishers of credit information are prohibited from reporting inaccurate or incomplete information once they have been notified of a dispute.

Since TransUnion and the data furnishers have failed to correct these inaccuracies following formal dispute attempts, they are in direct violation of the FCRA.

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