vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
XXXX XXXX Revolving Balance {$0.00} Limit {$250.00} Account utilization : 0 % | Excellent XXXX  Revolving Balance {$0.00} Limit {$400.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$110.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$400.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$250.00} Account utilization : 0 % | Excellent XXXX XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$2500.00} Account utilization : 0 % | Excellent XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Original Balance {$4200.00} XXXX XXXX EDUCATION_LOAN Balance {$0.00} Original Balance {$17000.00} XXXX XXXX EDUCATION_LOAN Balance {$0.00} Original Balance {$4200.00} XXXXXXXX XXXX XXXX UNSECURED Balance {$0.00} Original Balance {$350.00} XXXX XXXXXXXX XXXX AUTO_LEASE Balance {$0.00} Original Balance {$11000.00} DEPT OF ED EDUCATION_LOAN Balance {$8100.00} Original Balance {$4200.00} DEPT OF ED EDUCATION_LOAN Balance {$24000.00} Original Balance {$17000.00} DEPT OF ED/XXXX XXXX_LOAN Balance {$26000.00} Original Balance {$12000.00} DEPT OF EDXXXX XXXXLOAN Balance {$24000.00} Original Balance {$12000.00} DPT ED/XXXX XXXX - Student Loans Balance {$15000.00} Original Balance {$8500.00} DPT EDXXXXXXXX XXXX - Student Loans Balance {$26000.00} Original Balance {$12000.00} DEPT OF ED/XXXX Installment Balance {$15000.00} DEPT OF ED/XXXX Installment Balance {$15000.00} DEPT OF ED/XXXX Installment Balance {$26000.00} DEPT OF ED/XXXX Installment Balance {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX Revolving Balance {$0.00} Limit {$250.00} Account utilization : 0 % | Excellent XXXX  Revolving Balance {$0.00} Limit {$400.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$110.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$400.00} Account utilization : 0 % | Excellent XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$250.00} Account utilization : 0 % | Excellent XXXX XXXX XXXX CHARGE_ACCOUNT Balance {$0.00} Limit {$2500.00} Account utilization : 0 % | Excellent XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Original Balance {$4200.00} XXXX XXXX EDUCATION_LOAN Balance {$0.00} Original Balance {$17000.00} XXXX XXXX EDUCATION_LOAN Balance {$0.00} Original Balance {$4200.00} XXXXXXXX XXXX XXXX UNSECURED Balance {$0.00} Original Balance {$350.00} XXXX XXXXXXXX XXXX AUTO_LEASE Balance {$0.00} Original Balance {$11000.00} DEPT OF ED EDUCATION_LOAN Balance {$8100.00} Original Balance {$4200.00} DEPT OF ED EDUCATION_LOAN Balance {$24000.00} Original Balance {$17000.00} DEPT OF ED/XXXX XXXX_LOAN Balance {$26000.00} Original Balance {$12000.00} DEPT OF EDXXXX XXXXLOAN Balance {$24000.00} Original Balance {$12000.00} DPT ED/XXXX XXXX - Student Loans Balance {$15000.00} Original Balance {$8500.00} DPT EDXXXXXXXX XXXX - Student Loans Balance {$26000.00} Original Balance {$12000.00} DEPT OF ED/XXXX Installment Balance {$15000.00} DEPT OF ED/XXXX Installment Balance {$15000.00} DEPT OF ED/XXXX Installment Balance {$26000.00} DEPT OF ED/XXXX Installment Balance {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
Hello, my name is XXXX XXXX XXXX and I have personally written this complaint to bring to your attention an unauthorized negative account on my credit report. It will be addressed below. This has dropped my score and as a result I am unable to grow and improve my life as a new mom because of credit denials. This accounts is false and misleading and have been created without my approval or signature. I do not recognize or approve of it. I ask to have in investigated and removed as soon as possible. The 3 credit agencies refuse to help me. They place me on hold for hours with no Thank you very much! I have already created an FTC as well. 
Reference Number : XXXX Please help remove this collection. As I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED. 
Account below : XXXX XXXX Opened XXXX XXXX, 2023 2023

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 2025-04-23 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: GA

Complaint narrative:
The company has been calling me on repeat while I am at work. They say they have sent paperwork proving the debt is mine, but I have never received anything. The man on the phone started raising his voice at me and saying they were taking legal action. I have not received paperwork saying they were going to sue, OR VERIFICATION of ANY debt they are talking about. They say they are XXXX & A services working for XXXX XXXX XXXX, but when I called XXXX XXXX XXXX, they say they have nothing under my name. I have no clue who these people are and I dont appreciate the raising voices at me, especially when they cant even verify a debt. They keep calling me and I have told them to stop calling until the debt is verified. I am honestly starting to think it is a pyramid scheme and they are stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
Ive been trying to get my account balance corrected for over a month. I filed a dispute with TransUnion and provided a copy of my most recent statement, which clearly shows that there is no balance owed. 

However, on XXXX XXXX, 2025, I received an updated credit report indicating that the information has not changed. Im requesting that this error be addressed and the report be updated accordingly. 

Please let me know what further steps I need to take to resolve this. 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2025-04-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 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 2025-04-23 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-23 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX {$0.00} 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 - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} INQUIRIES : XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
told them to stop contacting me, but they keep trying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Mohela sent my account to all 3 credit bureaus. I didnt know I was late 30 day or 60 days nor 90 days until my XXXX XXXX went down. I need them to contact me and remote this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-23 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: IL

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

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 2025-04-23 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: RI

Complaint narrative:
In XXXX of 2023 or thereabouts i opened a small savings account with XXXX Bank for the purpose of obtaining XXXX currency for a trip to the azores. In the process of using this card after my trip I used the balance that I thought to complete a payment to citizens bank. I received a call from their security organization asking if I made that payment. I answered yes and that was it. The next communication I received was a call from a collections agency that only called me once and I corrected the payment after they supposedly called me which is correct however I wasnt at home to receive the calls my interpretation about calls was I had already spoke to them and didnt return call. I did not receive any letter or email or otherwise that the account was overdue. That overdue is in my efforts to conclude my trip bills i mistakenly thought that the balance had been paid. Well I then received a notice from my credit bureau that my score had moved negatively by almost XXXX points my average credit score over the past XXXX  years has always been in the range of XXXX to XXXX was the highest. The representative from citizens was provided with all this information and I explained that I made a simple mistake on a account that was a basic promotion and why I opened it. The gentlemen at the citizens was that the bank made no error and I understood that however based on the circumstances of over XXXX  years with a stellar credit rating and this simple error could they help to give this some leeway. His answer was that the bank did nothing wrong. 
Well the situation is XXXX looking at is a score that is significantly lower than what my wife and I have worked for. XXXX XXXX XXXX XXXX and as you can see by my records that I pay my bills on time when XXXX aware. I want this off my credit report, right now my days are spent at home XXXX dealing with health issues and a failing XXXX and if I need to purchase something they are looking at a XXXX rating for a minor silly balance issue, I dont have the vigor that XXXX used to and would appreciate help to fix my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CO

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that 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 2025-04-23 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: OK

Complaint narrative:
I reviewed my TransUnion credit report and found XXXX XXXX XXXX XXXX XXXX accounts inaccurately marked with late payment remarks, despite both showing a {$0.00} balance and {$0.00} past due amount. These remarks were reported without valid justification and are harming my credit profile. I have not received any notice or documentation from XXXX XXXX or TransUnion to support these claims. Since the accounts reflect no outstanding or overdue amounts, the presence of late payments is contradictory and misleading. I previously requested verification and correction, but no action has been taken. This appears to be a reporting error that violates the Fair Credit Reporting Acts accuracy requirements.

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